Mandatory health insurance. Look at the Swiss type system or really more or less any modern healthcare system. Pro-NHS Brits love to compare it exclusively to the USA, but most countries do far better than both.

That's not an alternative, health insurance is mandatory anyway by virtue of us being made of flesh – the alternative is going bankrupt due to having no leverage after getting treatment for anything.

No it isn't. Healthcare isn't infinitely expensive, the world is full of people who can pay cash for healthcare (or take an insurance policy with a very high excess which approximates the same thing).

>the world is full of people who can pay cash for healthcare

Are you sure about that? The median income in the US is less than $33k.

"Full of people" is an idiom, it means there are lots of them. It doesn't mean all of them. There are lots of cheap medical interventions and lots of people who earn more than $33k a year.